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- Tasks: Lead risk strategy and oversee credit lifecycle while mentoring a high-performing team.
- Company: Join Kriya, a leading fintech innovator transforming business finance.
- Benefits: Competitive salary, dynamic work environment, and opportunities for professional growth.
- Other info: Exciting opportunity to work with AI tools in a fast-paced industry.
- Why this job: Shape the future of embedded finance and make a real impact in digital lending.
- Qualifications: 7-10 years in debt capital markets with strong analytical and leadership skills.
The predicted salary is between 80000 - 100000 £ per year.
Kriya's suite of financial tools keeps business flowing brilliantly by providing frictionless access to payments, credit and working capital through seamless integrations and instant credit decisions. Founded in 2011, Kriya has helped businesses collect over £28 billion in B2B payments, and advanced over £3.7 billion worth of credit through working capital and business loans. Kriya has a wide-reaching network of strategic partners including Barclays Bank, Stripe, Halfords and the British Business Bank, and is backed by prestigious equity investors including Northzone, Barclays Bank and Mouro Capital (owned by Santander Bank).
We’re looking for an exceptional Head of Risk to join our leadership team and take end-to-end ownership of risk strategy and execution across the business. This is a high-impact, high‑visibility role reporting directly to the CEO.
As Head of Risk, you’ll lead the development and execution of Kriya’s enterprise-wide risk framework and collaborate with Commercial, Product, Data, Finance and Legal teams. You’ll oversee the full credit lifecycle—from analytics, underwriting and structuring, through monitoring, compliance and collections—while guiding a high‑performing risk team. Also, you will lead the use of AI and Advanced Risk analytics across the risk function. This is a rare opportunity to shape the future of embedded finance and digital lending at a company with massive reach and momentum.
What You’ll Do
- Develop and lead Kriya’s risk strategy across all business lines, products, and geographies.
- Serve as a key advisor to the CEO and Board on risk appetite, governance, and portfolio.
- Lead, grow, and mentor a high-performing Risk team (8 people on day one).
- Guide collections strategy and recovery workflows, ensuring efficiency and customer‑centricity.
Qualifications
- 7-10 years in debt capital markets, structured finance or corporate banking with a track record of leading complex credit transactions.
- STEM degree with strong analytical and decisioning skills.
- Based in London or open to relocation to London.
- Experience overseeing complex underwriting and deal structuring.
- Demonstrated leadership across multiple dimensions of risk.
- Proven ability to build and manage diversified portfolios and optimise risk‑adjusted returns.
- Advanced analytical skills: financial modeling, large‑data interrogation and critical credit assessment.
- Good communication and conflict resolution skills.
- Interest/Experience in leveraging AI tools.
Debt Structuring Lead employer: Kriya Finance Limited
Contact Detail:
Kriya Finance Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Debt Structuring Lead
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance and risk sectors. Attend industry events or webinars where you can meet potential employers or colleagues. Remember, it’s all about who you know!
✨Tip Number 2
Prepare for interviews by researching Kriya and its risk strategies. Understand their products and how they integrate AI into their processes. This will show you’re genuinely interested and ready to contribute from day one.
✨Tip Number 3
Practice your pitch! Be ready to explain your experience in debt capital markets and structured finance clearly and confidently. Highlight your leadership skills and how you’ve successfully managed risk in previous roles.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who take that extra step to connect with us directly.
We think you need these skills to ace Debt Structuring Lead
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Debt Structuring Lead. Highlight your experience in debt capital markets and structured finance, and don’t forget to showcase any leadership roles you've had. We want to see how you can bring your unique skills to Kriya!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for Kriya and how your background aligns with our mission. Be sure to mention your experience with AI tools and risk strategy, as these are key for us.
Showcase Your Analytical Skills: Since this role requires advanced analytical skills, make sure to include examples of financial modelling or large-data interrogation in your application. We love seeing how you’ve tackled complex credit assessments in the past!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at Kriya Finance Limited
✨Know Your Risk Frameworks
Make sure you’re well-versed in various risk frameworks and strategies. Kriya is looking for someone who can develop and lead their risk strategy, so be prepared to discuss your experience with risk management and how you've successfully implemented frameworks in the past.
✨Showcase Your Analytical Skills
Since the role requires advanced analytical skills, brush up on financial modelling and data interrogation techniques. Be ready to share specific examples of how you've used these skills to assess credit risks or optimise portfolios in previous roles.
✨Demonstrate Leadership Experience
Kriya wants a Head of Risk who can lead and mentor a team. Prepare to talk about your leadership style, how you've built high-performing teams, and any challenges you've faced in managing diverse groups. Highlight your ability to guide collections strategy and ensure customer-centricity.
✨Familiarise Yourself with AI Tools
As the role involves leveraging AI and advanced risk analytics, it’s crucial to show your interest and experience in this area. Research the latest AI tools used in risk management and be ready to discuss how you’ve integrated technology into your risk strategies.